Toyota Camry Financing

Our Loan Calculator display shows you how your Toyota Camry loan balance compares to the ongoing value of your vehicle. With financing, you will pay that loan down each month to reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your Camry to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly.

Toyota Camry Loan Calculator

Vehicle Price
$
Trade-In / Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form
Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

Toyota Camry Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $21,001 $21,001 $0 (0%)
1 $18,338 $16,118 +$2,220 (12%)
2 $15,585 $10,999 +$4,586 (29%)
3 $14,311 $5,631 +$8,680 (61%)
4 $12,716 $0 +$12,716 (100%)
Apply for Toyota Camry Financing
Loan Term 48 Months
APR 4.75%
Paid in Full Mar, 2025

Monthly Payment

$481.26

Total Principal $21,001
Total Interest $2,100
Total Cost of Loan $23,101

Toyota Camry Loan Amortization

Month Interest Principal Balance
Apr, 2021 $83.13 $398.00 $20,603.00
May, 2021 $81.55 $400.00 $20,203.00
Jun, 2021 $79.97 $401.00 $19,802.00
Jul, 2021 $78.38 $403.00 $19,399.00
Aug, 2021 $76.79 $404.00 $18,995.00
Sep, 2021 $75.19 $406.00 $18,589.00

This Toyota Camry is expected to lose $8,285 of its resale value during the 48 months of this loan. Check out our Toyota Camry Depreciation Calculator for a detailed analysis of the Camry's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Camry has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Camry model years to buy to get the best value.

Other Toyota Camry Costs of Ownership

Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major Toyota Camry costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: